US4943707A
Expired / Lapsed
US
⏱️ 0.0 years remaining
Transaction approval system
Assignee: Visa International Service Association
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Filing: 1989-01-10
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Granted: 1990-07-24
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Expires: 2009-01-10
Abstract
Abstract An improved system is disclosed for detecting invalid transaction cards at remote transaction terminals. The system includes providing each terminal with a master table having data corresponding to invalid cards. The data in the master table is less than the actual account numbers of the invalid cards. By using a compressed version of the data, the file can be shortened to facilitate storage and transmission. The compressed data file is arranged such that when an invalid card is presented, it will be identified and routed on for further processing. In the preferred embodiment, the probability that a valid card will be identified as potentially invalid is on the order of one to three percent. During each transaction, the master table is supplemented with information about the account number of the transaction card presented for the purchase. In this manner, any subsequent use of the card will be routed for additional processing. A scheme for compensating for data transmission errors is used to reduce the possibility that information about invalid cards is not lost when the master file is distributed.
Inventors
- 👤 Elvis W. Boggan
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-11-01 01:43
CPC Classifications
G; G07; G07F; G07F7/00; G07F7/08; G06; G06Q; G06Q20/00; G06Q20/38; G06Q20/40; G06Q20/403
Claims Analysis
Total Claims: 18
Claim 1
Independent Claim
130 words
An apparatus for facilitating the off line approval of transactions based upon the use of transaction cards each having an account number, comprising: data entry means receiving data representative of the account number of a transaction card; storage means storing information relating to account numbers of transaction cards; and processor means comparing the account number of the card presented for the transaction with the information stored in the storage means and generating an output signal based on the comparison, said processor means further functioning to store information relating to the account number of the card presented for the pending transaction in said storage means if such information had not previously existed such that a subsequent use of the card will be detected during the comparison performed by the processor means.
Claim 2
Independent Claim
130 words
An apparatus for facilitating the off line approval of transactions based upon the use of transaction cards each having an account number, comprising: data entry means receiving data representative of the account number of a transaction card; storage means storing information relating to account numbers of transaction cards; and processor means comparing the account number of the card presented for the transaction with the information stored in the storage means and generating an output signal based on the comparison, said processor means further functioning to store information relating to the account number of the card presented for the pending transaction in said storage means if such information had not previously existed such that a subsequent use of the card will be detected during the comparison performed by the processor means.
Claim 3
Independent Claim
159 words
An apparatus for facilitating the off line approval of transactions based upon the use of transaction cards each having an account number comprising: data entry means receiving data representative of the account number of a transaction card; storage means storing a master table which includes data derived from a list of transaction cards, said data being less than the entire account number of each card and wherein each listed card is represented by at least one indicator; and processor means comparing the account number of the card presented for the transaction with the data stored in the master table and generating an output signal based on the comparison, said processor means further functioning to store data relating to the account number of the card presented for a pending transaction in said master table if such data had not previously existed such that a subsequent use of the card will be detected during the comparison performed by the processor means.
Claim 4
Independent Claim
159 words
An apparatus for facilitating the off line approval of transactions based upon the use of transaction cards each having an account number comprising: data entry means receiving data representative of the account number of a transaction card; storage means storing a master table which includes data derived from a list of transaction cards, said data being less than the entire account number of each card and wherein each listed card is represented by at least one indicator; and processor means comparing the account number of the card presented for the transaction with the data stored in the master table and generating an output signal based on the comparison, said processor means further functioning to store data relating to the account number of the card presented for a pending transaction in said master table if such data had not previously existed such that a subsequent use of the card will be detected during the comparison performed by the processor means.
Claim 5
Independent Claim
186 words
An apparatus for facilitating the off line approval of transactions based upon the use of transaction cards each having an account number comprising: data entry means receiving data representative of the account number of a transaction card; storage means storing a master table which includes data derived from a list of transaction cards, said master table being defined by a plurality of bit maps and wherein each listed card is represented by one indicator in each bit map, each said indicator corresponding to an index value which is an algorithmic function of a set of digits in the account number of the transaction card; and processor means comparing the account number of the card presented for the transaction with the data stored in the master table and generating an output signal based on the comparison, said processor means further functioning to store data relating to the account number of the card presented for a pending transaction in said master table if such data had not previously existed such that a subsequent use of the card will be detected during the comparison performed by the processor means.
Claim 6
Independent Claim
186 words
An apparatus for facilitating the off line approval of transactions based upon the use of transaction cards each having an account number comprising: data entry means receiving data representative of the account number of a transaction card; storage means storing a master table which includes data derived from a list of transaction cards, said master table being defined by a plurality of bit maps and wherein each listed card is represented by one indicator in each bit map, each said indicator corresponding to an index value which is an algorithmic function of a set of digits in the account number of the transaction card; and processor means comparing the account number of the card presented for the transaction with the data stored in the master table and generating an output signal based on the comparison, said processor means further functioning to store data relating to the account number of the card presented for a pending transaction in said master table if such data had not previously existed such that a subsequent use of the card will be detected during the comparison performed by the processor means.
Claim 7
Independent Claim
110 words
A method of operating an apparatus for facilitating the off line approval of transactions based upon the use of transaction cards each having an account number, said apparatus having a means for storing information relating to account numbers of said cards, comprising the steps of: comparing the account number of the card presented for a transaction with the stored information about account numbers; generating an output signal based upon the outcome of the comparison; and storing information about the account number of the card presented for the transaction if such information had not previously existed such that a subsequent use of the card will be detected during said comparison step.
Claim 8
Independent Claim
110 words
A method of operating an apparatus for facilitating the off line approval of transactions based upon the use of transaction cards each having an account number, said apparatus having a means for storing information relating to account numbers of said cards, comprising the steps of: comparing the account number of the card presented for a transaction with the stored information about account numbers; generating an output signal based upon the outcome of the comparison; and storing information about the account number of the card presented for the transaction if such information had not previously existed such that a subsequent use of the card will be detected during said comparison step.
Claim 9
Independent Claim
138 words
A method of operating an apparatus for facilitating the off line approval of transactions based upon the use of transaction cards each having an account number, comprising the steps of: storing a master table which includes data derived from a list of transaction cards, said data being less than the entire account number of each card and wherein each listed card is represented by at least one indicator; comparing the account number of the card presented for the transaction with the data stored in the master table; generating an output signal based upon the outcome of the comparison; and storing data about the account number of the card presented for the transaction in the master table if such data had not previously existed such that a subsequent use of the card will be detected during said comparison step.
Claim 10
Independent Claim
138 words
A method of operating an apparatus for facilitating the off line approval of transactions based upon the use of transaction cards each having an account number, comprising the steps of: storing a master table which includes data derived from a list of transaction cards, said data being less than the entire account number of each card and wherein each listed card is represented by at least one indicator; comparing the account number of the card presented for the transaction with the data stored in the master table; generating an output signal based upon the outcome of the comparison; and storing data about the account number of the card presented for the transaction in the master table if such data had not previously existed such that a subsequent use of the card will be detected during said comparison step.
Claim 11
Independent Claim
165 words
A method of operating an apparatus for facilitating the off line approval of transactions based upon the use of transaction cards each having an account number, comprising the steps of: storing a master table which includes data derived from a list of transaction cards, said master table being defined by a plurality of bit maps and wherein each listed card is represented by one indicator in each bit map, each said indicator corresponding to an index value which is an algorithmic function of a set of digits in the account number of the transaction card; comparing the account number of the card presented for the transaction with the data stored in the master table; generating an output signal based upon the outcome of the comparison; and storing data about the account number of the card presented for the transaction in the master table if such data had not previously existed such that a subsequent use of the card will be detected during said comparison step.
Claim 12
Independent Claim
165 words
A method of operating an apparatus for facilitating the off line approval of transactions based upon the use of transaction cards each having an account number, comprising the steps of: storing a master table which includes data derived from a list of transaction cards, said master table being defined by a plurality of bit maps and wherein each listed card is represented by one indicator in each bit map, each said indicator corresponding to an index value which is an algorithmic function of a set of digits in the account number of the transaction card; comparing the account number of the card presented for the transaction with the data stored in the master table; generating an output signal based upon the outcome of the comparison; and storing data about the account number of the card presented for the transaction in the master table if such data had not previously existed such that a subsequent use of the card will be detected during said comparison step.
Claim 13
Dependent Claim
143 words
In a transaction network including a central processor, a plurality of remote transaction terminals and a plurality of transaction cards, each card having an account number associated therewith, a method for identifying certain cards in an off-line manner comprising the steps of: (a) generating information about certain cards from a list maintained at the central processor; (b) distributing said information about the listed cards in a manner to be locally accessed by the remote transaction terminals; (c) comparing the account number of the card presented for the transaction with the distributed information about listed cards; (d) generating a signal based on the outcome of the comparison; and (e) storing information about the account number of the card presented for the transaction if such information had not previously existed such that a subsequent use of the card will be detected during said comparison step.
Claim 14
Dependent Claim
143 words
In a transaction network including a central processor, a plurality of remote transaction terminals and a plurality of transaction cards, each card having an account number associated therewith, a method for identifying certain cards in an off-line manner comprising the steps of: (a) generating information about certain cards from a list maintained at the central processor; (b) distributing said information about the listed cards in a manner to be locally accessed by the remote transaction terminals; (c) comparing the account number of the card presented for the transaction with the distributed information about listed cards; (d) generating a signal based on the outcome of the comparison; and (e) storing information about the account number of the card presented for the transaction if such information had not previously existed such that a subsequent use of the card will be detected during said comparison step.
Claim 15
Dependent Claim
174 words
In a transaction network including a central processor, a plurality of remote transaction terminals and a plurality of transaction cards, each card having an account number associated therewith, a method for identifying certain cards in an off-line manner comprising the steps of: (a) generating a master table at said central processor, said table including data derived from a list of transaction cards, said data being less than the entire account number of each card and wherein each listed card is represented by at least one indicator; (b) distributing the master table in a manner to be locally accessed by the transaction terminals; (c) comparing the account number of the card presented for the transaction with the data in the distributed master table; (d) generating a signal based on the outcome of the comparison; and (e) storing data about the account number of the card presented for the transaction in the master table if such information had not previously existed such that a subsequent use of the card will be detected during said comparison step.
Claim 16
Dependent Claim
174 words
In a transaction network including a central processor, a plurality of remote transaction terminals and a plurality of transaction cards, each card having an account number associated therewith, a method for identifying certain cards in an off-line manner comprising the steps of: (a) generating a master table at said central processor, said table including data derived from a list of transaction cards, said data being less than the entire account number of each card and wherein each listed card is represented by at least one indicator; (b) distributing the master table in a manner to be locally accessed by the transaction terminals; (c) comparing the account number of the card presented for the transaction with the data in the distributed master table; (d) generating a signal based on the outcome of the comparison; and (e) storing data about the account number of the card presented for the transaction in the master table if such information had not previously existed such that a subsequent use of the card will be detected during said comparison step.
Claim 17
Dependent Claim
201 words
In a transaction network including a central processor, a plurality of remote transaction terminals and a plurality of transaction cards, each card having an account number associated therewith, a method for identifying certain cards in an off-line manner comprising the steps of: (a) generating a master table at said central processor, said table including data derived from a list of transaction cards, said master table being defined by a plurality of bit maps and wherein each listed card is represented by one indicator in each bit map, each said indicator corresponding to an index value which is an algorithmic function of a set of digits in the account number of the transaction card; (b) distributing the master table in a manner to be locally accessed by the transaction terminals; (c) comparing the account number of the card presented for the transaction with the data in the distributed master table; (d) generating a signal based on the outcome of the comparison; and (e) storing data about the account number of the card presented for the transaction in the master table if such information had not previously existed such that a subsequent use of the card will be detected during said comparison step.
Claim 18
Dependent Claim
201 words
In a transaction network including a central processor, a plurality of remote transaction terminals and a plurality of transaction cards, each card having an account number associated therewith, a method for identifying certain cards in an off-line manner comprising the steps of: (a) generating a master table at said central processor, said table including data derived from a list of transaction cards, said master table being defined by a plurality of bit maps and wherein each listed card is represented by one indicator in each bit map, each said indicator corresponding to an index value which is an algorithmic function of a set of digits in the account number of the transaction card; (b) distributing the master table in a manner to be locally accessed by the transaction terminals; (c) comparing the account number of the card presented for the transaction with the data in the distributed master table; (d) generating a signal based on the outcome of the comparison; and (e) storing data about the account number of the card presented for the transaction in the master table if such information had not previously existed such that a subsequent use of the card will be detected during said comparison step.
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USPTO Annuity & Maintenance Windows
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|---|---|---|---|---|---|
| 3.5 Years (Year 4) | 1993-07-23 | 1994-01-22 | 1994-07-24 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 1997-07-23 | 1998-01-22 | 1998-07-24 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2001-07-23 | 2002-01-22 | 2002-07-24 | $7700.00 | Window Closed / Lapsed |